Partial comprehensive insurance
Partial comprehensive insurance covers damage to your vehicle caused by events beyond your control. It mainly covers external risks.
Why is it useful?
Partial comprehensive insurance is ideal for older vehicles or those whose value has declined significantly. It offers essential protection without incurring high insurance costs, and includes the following elements:
- Theft and attempted theft
- Fire, explosion and electrical damage
- Damage caused by natural disasters (storms, hail, floods).
- Glass breakage, including windshield and side windows
- Collisions with wild animals
- Some acts of vandalism, such as ripping out antennas or mirrors
Comprehensive insurance
Comprehensive casco insurance, often called "all-risk," includes all the coverage of partial casco while adding protection for damages to your vehicle, even if you are at fault in the accident. It provides unparalleled peace of mind for owners of recent or high-value vehicles (it is mandatory for leasing).
What it also covers
- Collisions with other vehicles, regardless of liability
- Damage caused by personal negligence, such as fender-benders while parking.
- Complete acts of vandalism, including scratches and graffiti on the bodywork
Differences between partial and comprehensive coverage
Although comprehensive casco includes all the coverage of partial casco, their cost and scope differ. Comprehensive casco is more expensive because it offers broader protection, including damage caused by the driver themselves.
Partial casco, on the other hand, excludes accidents where the insured is at fault, whereas comprehensive casco covers them. Partial casco is often suitable for older or fully depreciated vehicles, while comprehensive casco is ideal for recent, high-value, or financed vehicles.
Partial VS full coverage comparison chart
- Criteria
- Partial cover
- Comprehensive
- Main protection
Covers damage caused by external events.
Covers external damage and damage caused by the insured.
- Cover examples
- Theft or attempted theft
- Fires and natural disasters
- Ice breakage
- Collision with animals
- All partial comprehensive coverage
- Collision damage, even if at fault
- Complete acts of vandalism
- Cost
More affordable.
Higher, due to extended coverage.
- Liability
Does not include accidents where you are at fault.
Covers accidents, even if you are at fault.
- Target audience
Owners of old or low-value vehicles.
Owners of recent, new or leased vehicles.
- Limits
Does not protect against at-fault accidents.
Higher long-term premiums.
- Key benefits
- Reduced cost
- Protection against unforeseeable risks
- Full coverage, even in the event of personal fault
- Ideal for protecting a major investment
